Overview
Rental Yield Calculator helps you evaluate buy-to-let property returns by combining gross yield, net yield, mortgage payment, vacancy impact, and operating costs in one workflow.
Key Features
- Inputs for property price, monthly rent, down payment ratio, mortgage rate, and loan term
- Cost modeling with property fee, maintenance, tax, and vacancy assumptions
- Automatic gross yield, net yield, annual net income, and monthly cash-flow output
- Mortgage analysis including loan amount, monthly payment, total interest, and leveraged yield
- Risk signal panel for quick pre-investment screening and scenario comparison
How To Use
- Enter property price, monthly rent, down payment ratio, mortgage rate, and loan term.
- Fill in operating cost parameters such as fee, maintenance, tax, and vacancy rate.
- Review yield and mortgage sections, focusing on net yield and post-payment cash flow.
- Check risk signals, then adjust assumptions and compare scenarios if needed.
- Export the report to clipboard or TXT for discussion and record keeping.
Use Cases
- Pre-screen buy-to-let opportunities before making an offer
- Compare multiple rental properties under the same assumptions
- Test leverage sensitivity by changing down payment and mortgage rate
- Review existing rental assets and update pricing or cost strategy
Investment Tips
- A net yield of at least 3% to 5% is a common baseline, but tenant stability and lease cycle still matter.
- Location, transport, and school resources can outweigh short-term rent in long-term return quality.
- Keep a maintenance reserve and emergency budget to avoid sudden cash-flow stress.
- Real estate liquidity is relatively low, so model the project with a long-term holding horizon.
Notes
- Results are for planning reference and do not constitute investment advice.
- Actual rent, vacancy, tax, and financing terms may change over time.
- Include local policy, transaction costs, and renovation depreciation in final decisions.
- All calculations run locally in your browser and no input data is uploaded.